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    • Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900. So I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold. They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs. They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request. Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure. Thanks PM
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    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
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      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
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    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
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Advent Computer Training (Barclays Partner Finance)Info and discussion thread


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Hi guys,

I'm new here and need some help please.

I started to do MCSE+CCNA on October last year and I only have had received an A+ book as well as a workshop from Advent so far. I got my account with Barclays and was paying by DD for a few months and then got my account on hold.

This morning I received a latter from Barclays which explains that I have been in contact with the allocated provider which I have never been !!!!

I had no idea what they were talking about !!

They also said that the hold has been removed and payments now become due in line with terms.

Anyway could anyone help me please here? What should I do? I don't want to go through this course any more.

Has any one taken any legal action or could anyone show me the right direction?

Do you know any solicitors or anyone else to help me with this issue as I don’t know what to do at all L

 

Hi Masoud,

You will have to write a letter to put your account in Dispute there's a template letter if you go back a page here if you put the account in Dispute it will stop BPF from reporting to the CRA's and will freeze the account. or above here there's a letter you can also use just adapt it to your own details

 

edited

You can also contact consumer direct and CAB for immediate advice

Edited by HSBCrusher
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Thanks joyhouk :smile:

 

For anyone that is getting their accounts taken off hold or having to start paying and do not want to accept computeach you must write letter to BPF stating you are placing the account in dispute as they have failed to provide a SUITABLE alternative provider state your reasons why

( plenty in this forum previous pages.)

Report a complaint against BPF to the FOS who will deal with your complant 8 weeks after your first complaint letter to BPF or they may send a letter for you if you haven't done so already.They have been helpful so far.if your 8 weeks are up they give you forms to fill and return to them.

You may also contact Consumer Direct or Citizens Advice Bureau

 

I found this wee list of what can't be done to an account in dispute hope it explains a bit clearer. You can also add this list into your dispute letter to BPF

 

You may not demand any payment on this account, nor am I obliged to offer any payment to you.

 

You may not add any further interest or charges to this account.

 

You may not pass this account to any third party. (Credit Reference Agency)

 

You may not register any information in respect of this account with any of the credit reference agencies, any information must be removed immediately.

 

They may not issue a default notice related to this account either...

 

Stick that in there pipe my friend & tell them to choke on it, :lol:

 

Hope this info helps you in some way?

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ANNOUNCEMENT!

 

Everyone will receive an invite to join the action for students website over the next couple of days, which you will need to accept in order to access it.

SO PLEASE ENSURE YOU CHECK YOUR JUNK MAIL AS IT WILL PROBABLY END UP IN THERE!

 

To register as a member -

Select 'yes I'd like to join this site' then register on the Sign In page where it prompts 'Not yet a member? Register now for free.'

Enter your email address and create yourself your own password (and keep a note of it) in the Sign Up window and click 'create account.'

Don't worry about filling out all of the profile information as it's optional. If you get a 'please complete your profile' prompt window you can select the button 'no thanks skip'.

Whenever you visit the site you will be asked to sign in to the members only area. You should only need to enter your email and the password you created.

Edited by Fuzzbutt
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absolutely furious just got off the phone with bpf to extend the interest free period from next month to july like some others have and they point blank refused and said to comence payments on the 7th may. Even spoke to the supervisor who gave me the exact same spiel. told him that I will not reactivate my dd and as far as Im concerned the account is in dispute and I will be seeking legal advice and not continuing my training with computeach as they are not like for like. worst thing is just check my credit score which is now rated good from being poor a year ago so that was a waste of time unsure now whether to ignore payments or to pay it off before the stupid interest takes place and my credit score is affected and claim that back through the courts. what does everyone else think would be the best option.

 

we know how you feel about this.. but I cant help thinking that once they have your money they will drag this out even longer.. they have less incentive to conclude.

 

I waited for Barclays to come up with a alternative provider I told them that I do not concider Computeach as an alternative even if the was the only company left.. I also told them in no circumstances are they (Barclays) to hand over money on my behalf to Computeach... I would rather burn my money than give it to them.

 

I am just in the process now of writing in my first letter.. yes I know its late.. but I hoped that Barclays would have given us more options than they have done.. Computech or Else ? .. they is not acceptable alternatives

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Whats is this action for students website?

 

I'm unsure what this is.. What information is on their?

 

I may of missed a post explaining this!!

 

A4ron

 

 

ANNOUNCEMENT!

 

Everyone will receive an invite to join the action for students website over the next couple of days, which you will need to accept in order to access it.

SO PLEASE ENSURE YOU CHECK YOUR JUNK MAIL AS IT WILL PROBABLY END UP IN THERE!

 

To register as a member -

Select 'yes I'd like to join this site' then register on the Sign In page where it prompts 'Not yet a member? Register now for free.'

Enter your email address and create yourself your own password (and keep a note of it) in the Sign Up window and click 'create account.'

Don't worry about filling out all of the profile information as it's optional. If you get a 'please complete your profile' prompt window you can select the button 'no thanks skip'.

Whenever you visit the site you will be asked to sign in to the members only area. You should only need to enter your email and the password you created.

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No tHElIZARDkING I am not and I take offence at the suggestion.

I am in the same situation as you!!! In fact I have probably spent more than most with my bills still coming in as I have recently spent £250, on a solicitor letter to BPF, whilst also my solicitor seeking advice from a barrister, which will also be an additional charge.

 

Check-out my previous posts, see for your self!

 

I just wanted to know what that new site was about as I have not read all the latest posts at the moment and thought that someone would be able to explain rather than going through the past couple of pages!

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Yesterday I finally received a letter from the Financial Ombudsman. They said they are investigating my complaint and will be in contact with Barclays Partner Finance. They also said in the letter that they may take longer than usual because they have received an "usually large" number of complaints. Well done guys! Another nail in the coffin for BPF!

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Ok understand that everyone has to be cautious.

 

I hope that one of us get a breakthrough soon, i'm fed up of this waiting game.... I hope when we do win and get our money back we will be paid the intrest that I would of gained having the money in the account.

 

fair enough a4ron i apolgise! but we hav to be suspicious and by the way FUZZBUTT seems to be having success with the no win no fee
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Had another email from PKF (I imagine most of you have), which says, "We understand that certain BPF Students may be entitled to make claims under the terms of the CCA". Funny how BPF seem to be the only ones that think the CCA doesn't apply in this case

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Please note that this topic has not had any new posts for the last 2614 days.

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